SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Bonus Rates declared as on 31st March 2018

Table A: Simple Reversionary, Interim and Terminal Bonus Rates

Policy
Product Name, UIN, Plan Reversionary Interim Terminal
Sr. No. Premium Type Term, in
Type Bonus Rate Bonus Rate Bonus Rate
years

5-9 Run Off Run Off Run Off

10-14 2.00% 2.00% 30.00%
Regular
15 - 19 2.00% 2.00% 30.00%
Premium
20 - 24 1.75% 1.75% -

Sudarshan Plan A 25 & above 1.55% 1.55% -

1
UIN: 111N008V01 5-9 Run Off Run Off Run Off
10-14 3.00% 3.00% 30.00%
Single
15 - 19 3.00% 3.00% 40.00%
Premium
20 - 24 2.50% 2.50% -
25 & above 2.25% 2.25% -
5-9 Run Off Run Off Run Off
10-14 2.00% 2.00% 30.00%
Regular
15 - 19 2.00% 2.00% 30.00%
Premium
20 - 24 1.75% 1.75% -

Sudarshan Plan B 25 & above 1.55% 1.55% -

2
UIN: 111N008V01 5-9 Run Off Run Off Run Off
10-14 3.50% 3.50% 30.00%
Single
15 - 19 3.50% 3.50% 40.00%
Premium
20 - 24 3.00% 3.00% -
25 & above 3.00% 3.00% -
6-11 Run Off Run Off Run Off
Regular
12-16 3.25% 3.25% 30.00%
Premium
Scholar 17 - 21 3.25% 3.25% 30.00%
3
UIN: 111N004V01 6-11 Run Off Run Off Run Off
Single
12-16 3.75% 3.75% 30.00%
Premium
17 - 21 3.75% 3.75% 30.00%
6-11 3.25% 3.25% 30.00%
Regular
12-16 3.25% 3.25% 30.00%
Premium
Scholar II 17 - 21 3.25% 3.25% -
4
UIN: 111N020V01 6-11 4.25% 4.25% 30.00%
Single
12-16 4.25% 4.25% 30.00%
Premium
17 - 21 4.25% 4.25% -

Page 1 of 7
SBI Life Insurance Company Limited, Corporate Office: ‘Natraj’, M.V. Road and Western Express, Highway
Junction, Andheri (East), Mumbai – 400069.
 SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Product Name, UIN, Plan Policy Term, Reversionary Interim Terminal

Sr. No. Premium Type
Type in years Bonus Rate Bonus Rate Bonus Rate

10 (Plan-1) 2.00% 2.00% 30.00%

Money Back Regular 15 (Plan-2) 1.75% 1.75% 30.00%

5
UIN: 111N019V01 Premium 20 (Plan-3) 1.75% 1.75% -
25 (Plan-4) 1.75% 1.75% -
15 (Plan-1) 4.00% 4.00% 30.00%

Regular 20 (Plan-2) 3.75% 3.75% -

Premium 20 (Plan-3) 3.75% 3.75% -

Sanjeevan Supreme 25 (Plan-4) 3.50% 3.50% -

6
UIN: 111N016V01 15 (Plan-1) 4.25% 4.25% 30.00%

Single 20 (Plan-2) 4.00% 4.00% -

Premium 20 (Plan-3) 4.00% 4.00% -
25 (Plan-4) 3.75% 3.75% -
5-9 3.25% 3.25% 45.00%
10-14 3.25% 3.25% -
Regular
15 - 19 3.25% 3.25% -
Premium
20 - 24 3.25% 3.25% -
Shubh Nivesh
UIN: 111N055V01 25 & above 3.25% 3.25% -
Plan 1 - Endowment 5-9 3.50% 3.50% 45.00%
Option
10-14 3.50% 3.50% -
Single
15 - 19 3.50% 3.50% -
Premium
20 - 24 3.50% 3.50% -
25 & above 3.50% 3.50% -
7
5-9 3.50% 3.50% 45.00%
10-14 3.50% 3.50% -
Regular
15 - 19 3.50% 3.50% -
Premium
20 - 24 3.50% 3.50% -
Shubh Nivesh 25 & above 3.50% 3.50% -
UIN: 111N055V01
Plan 2 - Whole Life Option 5-9 3.50% 3.50% 45.00%
10-14 3.50% 3.50% -
Single
15 - 19 3.50% 3.50% -
Premium
20 - 24 3.50% 3.50% -
25 & above 3.50% 3.50% -

Page 2 of 7
SBI Life Insurance Company Limited, Corporate Office: ‘Natraj’, M.V. Road and Western Express, Highway
Junction, Andheri (East), Mumbai – 400069.
 SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Policy
Product Name, UIN, Plan Reversionary Interim Terminal
Sr. No. Premium Type Term, in
Type Bonus Rate Bonus Rate Bonus Rate
years

7-9 3.00% 3.00% -

10-14 3.00% 3.00% -
Regular
15 - 19 3.00% 3.00% -
Premium
20 - 24 3.00% 3.00% -
Shubh Nivesh 25 & above 3.00% 3.00% -
UIN: 111N055V02 Plan 1
- Endowment Option 5-9 3.00% 3.00% 30.00%
10-14 3.00% 3.00% -
Single Premium 15 - 19 3.00% 3.00% -
8
20 - 24 3.00% 3.00% -
25 & above 3.00% 3.00% -
15 - 19 3.00% 3.00% -
Regular
20 - 24 3.00% 3.00% -
Shubh Nivesh Premium
UIN: 111N055V02 25 & above 3.00% 3.00% -
Plan 2 - Endowment Option 15 - 19 3.00% 3.00% -
with Whole Life
Single Premium 20 - 24 3.00% 3.00% -
25 & above 3.00% 3.00% -
7-9 3.00% 3.00% -
10-14 3.00% 3.00% -
Regular
15 - 19 3.00% 3.00% -
Premium
20 - 24 3.00% 3.00% -
Shubh Nivesh 25 & above 3.00% 3.00% -
UIN: 111N055V03
Plan 1 - Endowment Option 5-9 3.00% 3.00% -
10-14 3.00% 3.00% -
Single Premium 15 - 19 3.00% 3.00% -
20 - 24 3.00% 3.00% -
25 & above 3.00% 3.00% -
15 - 19 3.00% 3.00% -
Regular
20 - 24 3.00% 3.00% -
Shubh Nivesh Premium
UIN: 111N055V03 25 & above 3.00% 3.00% -
Plan 2 - Endowment Option 15 - 19 3.00% 3.00% -
with Whole Life
Single Premium 20 - 24 3.00% 3.00% -
25 & above 3.00% 3.00% -

Page 3 of 7
SBI Life Insurance Company Limited, Corporate Office: ‘Natraj’, M.V. Road and Western Express, Highway
Junction, Andheri (East), Mumbai – 400069.
 SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Product Name, UIN, Plan Policy Term, Reversionary Interim Terminal

Sr. No. Premium Type
Type in years Bonus Rate Bonus Rate Bonus Rate

20 (Plan 1) 1.50% 1.50% -

Sanjeevan Single
10 15 (Plan 2) 1.50% 1.50% 30.00%
UIN: 111N001V01 Premium
10 (Plan 3) Run Off Run Off Run Off

Young Sanjeevan Single

11 All Run Off Run Off Run Off
UIN: 111N002V01 Premium

10 (Plan-1) 3.25% 3.25% -

Saral Life Regular 15 (Plan-2) 3.25% 3.25% -

12
UIN: 111N071V01 Premium 20 (Plan-3) 3.25% 3.25% -
25 (Plan-4) 3.25% 3.25% -
12 (Plan-1) 3.25% 3.25% -
Smart Money Back 15 (Plan-2) 3.25% 3.25% -
Regular
13 Insurance
Premium 20 (Plan-3) 3.25% 3.25% -
UIN: 111N082V01
25 (Plan-4) 3.25% 3.25% -
5 (Plan-1) 3.25% 3.25% 30.00%
Smart Income Protect Regular
14 10 (Plan-2) 3.25% 3.25% -
UIN: 111N085V01 Premium
15 (Plan-3) 3.25% 3.25% -
7 (Plan-1) 2.85% 2.85% -
Smart Income Protect Regular
15 12 (Plan-2) 2.85% 2.85% -
UIN: 111N085V02 Premium
15 (Plan-3) 2.85% 2.85% -
7 (Plan-1) 2.85% 2.85% -
Smart Income Protect Regular
16 12 (Plan-2) 2.85% 2.85% -
UIN: 111N085V03 Premium
15 (Plan-3) 2.85% 2.85% -
Regular
All 3.25% 3.25% -
Saral Pension Premium
17
UIN: 111N088V01 Single
All 3.25% 3.25% 15.00%
Premium
Regular
All 3.00% 3.00% -
Saral Pension Premium
18
UIN: 111N088V02 Single
All 3.25% 3.25% 15.00%
Premium

Page 4 of 7
SBI Life Insurance Company Limited, Corporate Office: ‘Natraj’, M.V. Road and Western Express, Highway
Junction, Andheri (East), Mumbai – 400069.
 SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Product Name, UIN, Plan Policy Term, Reversionary Interim Terminal

Sr. No. Premium Type
Type in years Bonus Rate Bonus Rate Bonus Rate

12 (Plan-1) 2.50% 2.50% -

19 Smart Money Back Gold Regular 15 (Plan-2) 2.50% 2.50% -
UIN: 111N096V01 Premium 20 (Plan-3) 2.50% 2.50% -
25 (Plan-4) 2.50% 2.50% -
12 (Plan-1) 2.50% 2.50% -
Smart Money Back Gold Regular 15 (Plan-2) 2.50% 2.50% -
20
UIN: 111N096V02 Premium 20 (Plan-3) 2.50% 2.50% -
25 (Plan-4) 2.50% 2.50% -
8-11 2.75% 2.75% -
Regular
12-16 2.75% 2.75% -
Premium
Smart Champ Insurance 17 - 21 2.75% 2.75% -
21
UIN: 111N098V01 8-11 3.25% 3.25% -
Single
12-16 3.25% 3.25% -
Premium
17 - 21 3.25% 3.25% -
8-11 2.75% 2.75% -
Regular
12-16 2.75% 2.75% -
Premium
Smart Champ Insurance 17 - 21 2.75% 2.75% -
22
UIN: 111N098V02 8-11 3.25% 3.25% -
Single
12-16 3.25% 3.25% -
Premium
17 - 21 3.25% 3.25% -
15 (Plan-1) 3.25% 3.25% -
Regular 20 (Plan-2) 3.25% 3.25% -
Premium 20 (Plan-3) 3.25% 3.25% -
Smart Money Planner 25 (Plan-4) 3.25% 3.25% -
23
UIN: 111N101V01 15 (Plan-1) 3.25% 3.25% -
Single 20 (Plan-2) 3.25% 3.25% -
Premium 20 (Plan-3) 3.25% 3.25% -
25 (Plan-4) 3.25% 3.25% -
15 (Plan-1) 3.25% 3.25% -
Regular 20 (Plan-2) 3.25% 3.25% -
Premium 20 (Plan-3) 3.25% 3.25% -
Smart Money Planner 25 (Plan-4) 3.25% 3.25% -
24
UIN: 111N101V02 15 (Plan-1) 3.25% 3.25% -
Single 20 (Plan-2) 3.25% 3.25% -
Premium 20 (Plan-3) 3.25% 3.25% -
25 (Plan-4) 3.25% 3.25% -

Page 5 of 7
SBI Life Insurance Company Limited, Corporate Office: ‘Natraj’, M.V. Road and Western Express, Highway
Junction, Andheri (East), Mumbai – 400069.
 SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Policy
Product Name, UIN, Plan Reversionary Interim Terminal
Sr. No. Premium Type Term, in
Type Bonus Rate Bonus Rate Bonus Rate
years

10 - 14 2.75% 2.75% -

Smart Humsafar Regular 15 - 19 2.75% 2.75% -

25
UIN: 111N103V01 Premium 20 - 24 2.75% 2.75% -
25 & above 2.75% 2.75% -
10 - 14 2.75% 2.75% -

Smart Humsafar Regular 15 - 19 2.75% 2.75% -

26
UIN: 111N103V02 Premium 20 - 24 2.75% 2.75% -
25 & above 2.75% 2.75% -

10 2.75% 2.75% -
Smart Woman Advantage Regular
27
UIN: 111N106V01 Premium
15 2.75% 2.75% -

10 - 14 2.50% 2.50% -

Smart Bachat Regular 15 - 19 2.75% 2.75% -

28
UIN: 111N108V01 Premium 20 - 24 2.75% 2.75% -
25 2.75% 2.75% -

Reversionary and Interim Bonus Rates are a percentage of Sum Assured.

Terminal Bonus is a percentage of the total amount of bonuses allocated including Simple Reversionary,
Interim and Special bonuses, if any.

Page 6 of 7
SBI Life Insurance Company Limited, Corporate Office: ‘Natraj’, M.V. Road and Western Express, Highway
Junction, Andheri (East), Mumbai – 400069.
 SBI Life Insurance Company Limited

Regulated by IRDAI | Registration Number 111

Table B: Accumulating, Interim and Terminal Bonus Rates

Table B1- Pension Products

Policy Regular
Interim Terminal Bonus Rate
Sr. Term Accumulating
Product Name Premium Type Bonus Rate as % of Total Bonus
No. (in Bonus Rate as
as % of PFA Allocated to PFA
years) % of PFA

Life Long Pension Plan

1 Regular Premium All 7.25% 7.00% 7.50%
– Individual
(UIN: 111N011V01) Single Premium All 7.25% 7.00% 7.50%
Life Long Pension Plan
2 Regular Premium All 7.25% 7.00% 7.50%
– Group
(UIN: 111N012V01) Single Premium All 7.25% 7.00% 7.50%

Table B2 - VIP Products

Minimum Regular Interim Terminal Bonus

Policy Guaranteed Bonus Bonus Rate
S. Product Name, Premium
Term, in Bonus Interest interest Interest
No. UIN, Plan Type Type
years Rate Rate Rate

Flexi Smart Plus -

Regular
1 Individual All 1.00% 6.50% 6.25% 2.25%
Premium
(UIN: 111N093V01)

Page 7 of 7
SBI Life Insurance Company Limited, Corporate Office: ‘Natraj’, M.V. Road and Western Express, Highway
Junction, Andheri (East), Mumbai – 400069.